Restaurant or Travel (or Entertainment) supplement to BCP?

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danda
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Location: IL

Restaurant or Travel (or Entertainment) supplement to BCP?

Postby danda » Wed Jan 30, 2013 12:53 am

I recently upgraded from an AMEX Blue to a BCP, and more recently still changed my old Discover Open Road card to a More (I don't need the 1% on the It and I'd rather keep my options open.) I'm pretty happy with the combination, but I'm thinking about adding one last card to replace the 2% restaurant benefit from the Open Road, which was handy.

Given my cooking ability that's probably the most important category I have uncovered, but I'm also interested in any good Travel or Entertainment cards–basically anything else that complements the BCP's grocery/gas/dept store cashback. What do you guys like, especially among no-annual-fee cards? It looks like the Forward was just about perfect, but it's no longer available for non-students if I'm reading their site correctly.


lexrj
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Postby lexrj » Thu Jan 31, 2013 8:50 pm

danda wrote:I recently upgraded from an AMEX Blue to a BCP, and more recently still changed my old Discover Open Road card to a More (I don't need the 1% on the It and I'd rather keep my options open.) I'm pretty happy with the combination, but I'm thinking about adding one last card to replace the 2% restaurant benefit from the Open Road, which was handy.

Given my cooking ability that's probably the most important category I have uncovered, but I'm also interested in any good Travel or Entertainment cards—basically anything else that complements the BCP's grocery/gas/dept store cashback. What do you guys like, especially among no-annual-fee cards? It looks like the Forward was just about perfect, but it's no longer available for non-students if I'm reading their site correctly.


I would get the US Bank Cash Plus, it has no AF and 5% for Restaurants. You can see below the link with the categories and cashback %

https://cashplus.usbank.com/index.cfm/main/categories/demo/true

ps: "Bill pay" and some other categories will change after Feb but in my opinion it's still a great card to supplement with BCP.

If you spend a lot on gas I would consider the PenFed Platinum Rewards, gives you 5% on gas, no AF and no Foreign Transaction Fee.

https://www.penfed.org/platinum-rewards/
---------------------------------------
Current in my Wallet
Amex BCP - 25K (02/12)
Barclay Arrival WMC - 15K (10/13)

Future
US Bank Cash +

Socks drawer
Crap One Quicksilver - 1.7K (04/11)
CSP - 15K (03/13)

Scores
FICO EX 772 / TU 765 / EQ 762 - (09/14)
AAoA 2.1

Bksuper
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Postby Bksuper » Fri Feb 01, 2013 1:29 am

Citi Forward for Restaurants and Entertainment, Cash+ in general to supplement, and Chase Sapphire Preferred for travel.
Sole Ownership Cards:
1st Financial Bank Platinum Student Visa, $500 CL, Open Since 3/2012
Citi Forward Student Visa, $6k CL, Open Since 10/2012
Costco TrueEarnings Amex, $6k CL, Backdates to 1/2012
SallieMae Rewards Barclay Mastercard, $2.5k CL, Open Since 4/2013
Jointly Owned Cards (co-owner with mom, not AU, used and paid only by me):
Chase Amazon Rewards Visa Signature, $2k CL, Open Since 8/2012
US Bank Cash+ Visa Signature, $13.5k CL, Open Since 10/2012
Authorized User (Parents Pay/Use)
Costco TrueEarnings Amex $29.4k CL, AU since 11/2012


sakhalin
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Location: West Coast

Postby sakhalin » Fri Feb 01, 2013 2:52 am

danda wrote: It looks like the Forward was just about perfect, but it's no longer available for non-students if I'm reading their site correctly.

Several folks over at myFico reported that they got approved for the student application despite not being students. Apparently the app asks if you are a student or not and all you have to do is answer "no". Not sure if this is a "loophole"; and if it is, Citi might close the loophole soon.
AMEX BCE ($20,000), Citi Forward ($6,800), Discover IT ($5,250), BoA Travel Rewards ($1,800)

Bksuper
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Location: California

Postby Bksuper » Fri Feb 01, 2013 11:56 am

Also, even if they close that loophole, you can register for a single online class from a community college for not much money and either take it if one interests you or drop it the first day of class and get a full refund...as long as you're a student at the time of application its fine and you can keep your card after you're not.
Sole Ownership Cards:
1st Financial Bank Platinum Student Visa, $500 CL, Open Since 3/2012
Citi Forward Student Visa, $6k CL, Open Since 10/2012
Costco TrueEarnings Amex, $6k CL, Backdates to 1/2012
SallieMae Rewards Barclay Mastercard, $2.5k CL, Open Since 4/2013
Jointly Owned Cards (co-owner with mom, not AU, used and paid only by me):
Chase Amazon Rewards Visa Signature, $2k CL, Open Since 8/2012
US Bank Cash+ Visa Signature, $13.5k CL, Open Since 10/2012
Authorized User (Parents Pay/Use)
Costco TrueEarnings Amex $29.4k CL, AU since 11/2012

FutureBillionaire
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Location: Down South

Postby FutureBillionaire » Fri Feb 01, 2013 1:07 pm

Bksuper wrote:Also, even if they close that loophole, you can register for a single online class from a community college for not much money and either take it if one interests you or drop it the first day of class and get a full refund...as long as you're a student at the time of application its fine and you can keep your card after you're not.


Citi Forward, Discover Miles, US Bank Cash +.
Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape

RewardHop
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Postby RewardHop » Fri Feb 01, 2013 2:30 pm

Man I'm glad I PC'ed from Citi Dividends MasterCard to the Forward card a few weeks ago. But now I'm wondering if they are look into nerfing the card, not necessarily by eliminating anything but more so by making the points worth a lot less.
[size=60]
Amex BCE: 3% grocery, 2% gas
Bank of America Better Balance Rewards MC: $25/quarter bonus
Barclaycard Rewards Visa Signature: 2% gas, groceries, utilities
Capital One Quicksilver Visa Signature: 1.5% everything
Chase Freedom Visa Signature: 5% rotating
Citi Forward Visa: 5% restaurants/fastfood, movie theaters, amazon.com
Discover It: 5% rotating
SallieMae MC: 5% Groceries, Gas, Amazon
US Bank Cash+ Visa Signature: 5% electronic stores, restaurants
Sock Drawered: Chase Sapphire, Chase Amazon[/size]


FutureBillionaire
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Location: Down South

Postby FutureBillionaire » Sat Feb 02, 2013 9:14 am

They have been sending out promos to get people to use the card more. I'm hoping they make it similar to the cash plus so that we can choose other categories. It's cheaper for banks to deal in points than it is in cash back.
Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape



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